South Dakota
- ~$35–$50
- ~$90–$115
- $25K/$50K/$25K
South Dakota features some of the most affordable car insurance rates in the country, benefiting from low population density and fewer accidents. The state uses a fault-based liability system with moderate mandatory coverage requirements.
Find a local Auto Insurance agents in your town:
South Dakota Auto Insurance Facts *
Drivers
- ~470,000–490,000 licensed drivers as of 2023.
- ~93% household vehicle ownership.
- Predominance of pickups and SUVs due to rural driving needs.
- Uninsured motorist rate near 9%.
- Limited public transportation outside urban areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~5,400 | ~1,200 | 65 |
| 2019 | ~5,600 | ~1,250 | 60 |
| 2020 | ~4,900 | ~1,100 | 55 |
| 2021 | ~5,100 | ~1,150 | 63 |
| 2022 | ~5,300 | ~1,180 | 58 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
